Payment and Refund Policy

This policy forms part of our Terms of Service. It explains how you pay for Courses on kaveshnikovschool.com and how withdrawal and refunds work. "We" means Individual Entrepreneur Andrey Nikolaevich Kaveshnikov, Veshnyakovskaya St. 5 bldg. 3, Moscow 111402, Russia, email info@kaveshnikovschool.com. Words with capital letters have the meaning given in the Terms of Service.

1. How to pay

You pay by Visa or Mastercard bank card. We do not accept other cards or payment methods.
Payment is made in a secure payment window of CloudPayments, a Russian payment provider. You enter your card details there. We do not receive or store your full card number.
Your bank may ask you to confirm the payment with 3-D Secure, for example with a code sent to your phone or in your banking app. Ask your bank if you have questions about this check.
You pay the full price of the Course in one payment. Credit and instalments are not available.

2. Currency, exchange rates and card fees

Prices are shown and charged in US dollars (USD). The price shown when you pay is the final amount we charge. We do not add taxes or other charges to it.
If your card account is in another currency, your card issuer converts the amount at its own exchange rate and may charge a foreign transaction or currency conversion fee. These fees are set by your issuer and are not received by us.
The amount shown on your card statement may therefore differ from the USD price. Ask your card issuer about its rates and fees.

3. Declined payments

A payment may be declined, for example if:

3-D Secure confirmation fails or is not completed;
your card issuer or CloudPayments does not accept cards from your country or bank;
the amount is above a limit set by CloudPayments or by your card issuer; or
your card has insufficient funds, has expired or is blocked.

We cannot override a decline. If your payment is declined, you are not charged and no contract is made. You can try another Visa or Mastercard card or contact your bank. Your bank may temporarily hold the amount of a declined payment; the hold is released by your bank, usually within a few days.

If your card was charged but the Course has not appeared in your account within 24 hours, email us at info@kaveshnikovschool.com. We will either give you access or, if you prefer, refund the full price. Until access is granted, you also keep your right of withdrawal (see section 4).

4. Your 14-day right of withdrawal and when it ends

Every buyer, wherever they live, has a 14-day right of withdrawal from a Course contract. Because a Course is digital content that we supply immediately, this right ends when we grant you access to the Course.

Consent at checkout

Before you pay, you must tick a box with the text "I want access to the course right away. I understand that I lose my 14-day right of withdrawal once access is granted." You cannot pay without ticking it. By ticking it, you expressly ask us to give you access before the withdrawal period ends and acknowledge that you lose your right of withdrawal once access is granted. We record the time of your consent with your order.

When access is granted

We grant access to the Course automatically right after your payment succeeds. We do not track whether you watch the lessons, so your right of withdrawal ends when access is granted, whether or not you have started watching.

Until access is granted, for example if your payment has been authorised but access has not yet been given, you can still withdraw under the instructions below.

Order confirmation

After a successful payment, we send an order confirmation to your account email, so that you can keep it. It states:

the order number and date;
the names of the Courses bought;
the total price and currency;
our name, INN, OGRNIP, address and email;
the minimum access period;
the consent and acknowledgement you gave at checkout and the time you gave them;
that access was granted and your right of withdrawal therefore ended; and
links to the Terms of Service and this policy.

Withdrawal instructions

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day the contract was made. The contract is made when your payment for the Course succeeds. However, you lose the right of withdrawal once we grant you access to the Course, because before paying you asked for immediate access and acknowledged that you would lose this right.

To exercise the right of withdrawal, you must inform us (Individual Entrepreneur Andrey Nikolaevich Kaveshnikov, Veshnyakovskaya St. 5 bldg. 3, Moscow 111402, Russia, email info@kaveshnikovschool.com) of your decision to withdraw from this contract by a clear statement, for example an email. You may use the model withdrawal form below, but you do not have to.

To meet the withdrawal deadline, it is enough for you to send your message about exercising the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will refund all payments we received from you for the Course, without undue delay and in any event not later than 14 days from the day we are informed of your decision to withdraw. We will make the refund to the card you used for the payment. You will not be charged any fees by us for the refund.

If you withdraw before access is granted, we will not grant you access to the Course.

Model withdrawal form

Complete and return this form only if you wish to withdraw from the contract before access to the Course has been granted.

To: Individual Entrepreneur Andrey Nikolaevich Kaveshnikov, Veshnyakovskaya St. 5 bldg. 3, Moscow 111402, Russia, info@kaveshnikovschool.com

I hereby give notice that I withdraw from my contract for the supply of the following digital content:

Course name:
Date of purchase:
Name of the account holder:
Account email:
Date:

How to withdraw in practice

Send your withdrawal email to info@kaveshnikovschool.com, preferably from your account email. Include the Course name and, if you can, the date of purchase.
If you write from another address, we may ask you to confirm the request from your account email. The date of your first message still counts for the deadline, and this check does not extend our 14-day refund deadline.
We confirm receipt of your withdrawal by email.
You do not need to fill in any paper form, sign anything or send anything by post.

5. Full refunds only

Every refund we make is a full refund of the price you paid for the Course concerned. We do not give partial refunds, credits or exchanges, except where mandatory law requires them.
Once access to a Course has been granted, you can no longer get a refund simply because you changed your mind, unless mandatory law gives you that right.
After access is granted, you still get a full refund where we are at fault or in the other cases set out in the Terms of Service: if the Course is faulty or not as described, or your access does not work because of a problem on our side, and we do not fix it within a reasonable time; if we cannot give you access after you paid; if we stop providing a Course before its minimum access period ends; if we make a required change that substantially reduces a Course and you end the contract; or if events outside our control prevent access for more than 30 days in a row and you end the contract.
Nothing in this policy limits any right you have under mandatory consumer law, including your rights if a Course is faulty or not as described.

6. How refunds are paid

Refunds are made in USD to the card you used for the payment. We do not refund in cash, to another card or to another person.
We start the refund within 14 days after we receive your withdrawal or after the refund becomes due for another reason. Your bank then usually credits the money within 5 to 10 business days, but some banks take up to 30 days.
Because of exchange rate changes, the amount credited in your currency may differ from the amount originally charged. Fees charged by your card issuer for the original payment are not refunded by us.
If the refund to your card fails, for example because the card account has been closed, we will contact you to agree another way to return the money at no cost to you.

7. Chargebacks

If you have a problem with a payment, please email us first at info@kaveshnikovschool.com. Most problems can be solved faster this way than through a card dispute.
You keep your right to ask your card issuer for a chargeback.
While a chargeback is open, we may suspend access to the Course concerned. If the chargeback succeeds, your access to that Course ends. If it is decided in our favour, we restore your access.
If you receive both a refund from us and a chargeback for the same payment, we may ask you to return the duplicate amount.

8. Contact

Questions about payments and refunds: info@kaveshnikovschool.com